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Finance tools
30 free finance tools — private and offline.
Loan / Amortization
monthly payment + schedule
Mortgage (PITI)
principal+interest+tax+insurance
Compound Interest
future value with contributions
Simple Interest
principal × rate × time
Savings Goal
months to reach a target
Debt Payoff
months + interest to clear a balance
ROI
return on investment %
Rule of 72
years to double your money
Break-Even
units to cover fixed costs
Margin & Markup
from cost + price
Markup → Price
price from cost + markup %
Hourly → Salary
annualize an hourly rate
Salary → Hourly
hourly from an annual salary
Currency (manual)
convert at a rate you set
Inflation
future cost at an inflation rate
Unit Price
price per unit for comparison
CAGR
compound annual growth rate
50/30/20 Budget
needs / wants / savings split
Net Worth
assets − liabilities
Emergency Fund
target from monthly expenses
Overtime Pay
regular + overtime gross
Cost Per Use
is it worth buying?
APR ↔ APY
nominal ↔ effective annual rate
Debt-to-Income
DTI ratio
Rent Affordability
max rent (30% rule)
FIRE Number
retire target (4% rule)
Sales Commission
commission on a sale
Present Value
today's value of future money
Is the Second Income Worth It?
what a second job actually leaves after childcare, tax and the commute
Debt Payoff Order (avalanche vs snowball)
which debt to pay first, simulated month by month